Loan Rates
In addition to offering a great loan experience, we offer competitive loan rates! Those are subject to change any time and may vary on individual loans. All rates listed are APR.
We provide financing to purchase autos, trucks, boats, campers and travel trailers, motor homes, snowmobiles, four-wheelers, jet skis, and motorcycles.
We also provide:
- Home equity lines of credit
- Mortgage loans
- Land loans
- Personal loans
- MasterCard credit card
- Savings-secured loans, Money Market-secured loans, and Certificate-secured loans
- Anytime Access - credit Line that you can use any time; it also serves as Checking Overdraft Protection
- Signature loans
- Member business loans
- Student Loans - a private student loan program
To learn about your options for applying for loans, click here.
You may also stop in and visit with a loan officer, or contact our loan department at (320) 252-2634 or toll-free at (888) 252-2634 for complete information. Or, contact us by email.
New Cars & Trucks (2020 and Newer) |
Rate |
| 36 months | 2.49%* |
| 52 months | 2.74%* |
| 64 months | 2.99%* |
| 76 months | 3.24%* |
| 84 months | 3.49%* |
Used Cars & Trucks (2016-2019) |
Rate |
| 36 months | 2.74%* |
| 52 months | 2.99%* |
| 64 months | 3.24%* |
| 76 months | 3.74%* |
| 84 months | 3.99%* |
Used Cars & Trucks (2015 and Older) |
Rate |
| 36 months | 4.24%* |
| 52 months | 4.49%* |
| 64 months | 4.74%* |
| 76 months | 5.24%* |
RVs, Campers, & Titled Fish Houses |
Rate |
| 36 months | 4.49% |
| 60 months | 4.99% |
| 84 months | 5.24% |
| 120 months | 5.74% |
| 144 months | 6.24% |
| 180 months | 6.99% |
New & Used Motorcycles |
Rate |
| 48 months | 6.25% |
| 60 months | 6.50% |
| 72 months | 6.75% |
Side by Sides (UTV), Boats, Non-Titled Collateral (snowmobile, ATV, jet ski, etc.) |
Rate |
| 36 months | 3.74% |
| 48 months | 4.24% |
| 60 months | 4.74% |
| 72 months | 5.24% |
| 84 months | 5.74% |
Signature Loans |
Rate |
| 36 months | 8.99% |
| 48 months | 9.99% |
|
60 months |
10.99% |
Anytime Access(Checking Line of Credit) |
14.99% |
Savings Secured |
Rate |
|
Passbook & Money Market Accounts |
3.75% |
Certificate of Deposit Accounts |
CD rate plus 2% With a minimum rate of 3.75% |
Additional Information about our Loans:
Rates and terms on all loans are subject to credit approval. St Cloud Financial Credit Union uses a credit score to determine your interest rate. No loan rate at the credit union can exceed 18% APR. Rates are subject to change at anytime.
- All rates are annual percentage rates (APR).
- Loan rates are based on your credit rating. The rates quoted are our best rates and may be higher based on your credit report. The term of your actual loan may vary, depending on your needs.
*Rates with an asterisk can take an additional 0.25% discount with an active, qualified St. Cloud Financial Credit Union checking account.